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Personal Loan Johor Bahru 2026 | Fast Approval | KPKT Licensed – Ph Capital Solution Sdn. Bhd.
Personal Loan Johor Bahru – Fast, Legal & Transparent Financing
If you are searching for a personal loan in Johor Bahru, choosing a licensed and regulated lender is the most important step. Ph Capital Solution Sdn. Bhd. is a KPKT Licensed Money Lender operating legally in Johor Bahru, providing transparent and compliant personal financing solutions.
We operate under the Malaysian Moneylenders Act 1951 and follow all required regulations, including official Jadual J and Jadual K loan agreements. Our goal is simple – provide responsible financing with clarity, structure and legal protection for borrowers.
About Ph Capital Solution Sdn. Bhd.
Company Name: Ph Capital Solution Sdn. Bhd.
License Type: KPKT Licensed Money Lender
License No: WL8161/01/01
Advertisement Permit No: WP8161/01/01
Office Address: No. 132A, Jalan Sentral 1, Taman Nusa Sentral, 79100 Iskandar Puteri, Johor, Malaysia.
WhatsApp: +60 18-918 9669
Service Coverage: Johor Bahru / Iskandar Puteri / Johor / Malaysia
We maintain a physical office in Johor Bahru where agreements are signed face-to-face. This ensures compliance, transparency and borrower understanding before disbursement.
Why Choose a Licensed Personal Loan in Johor Bahru?
Many borrowers are unaware of the risks associated with illegal lenders. A KPKT Licensed Money Lender ensures:
- Interest rate regulated up to 18% per annum
- Clear total repayment schedule
- No hidden fees
- Official stamped agreement
- Legal borrower protection
- Transparent loan explanation before signing
When you choose a licensed personal loan in Johor Bahru, you are choosing legal security and structured repayment terms.
Who Can Apply for Personal Loan?
- Malaysian citizens aged 21–60
- Private sector employees
- Government servants
- Self-employed individuals
- Malaysians working in Singapore
Each application is assessed based on income stability and repayment capacity. We encourage responsible borrowing and proper financial planning.
Personal Loan Approval Process
- Submit IC and income documents
- Eligibility assessment
- Loan explanation and offer details
- Face-to-face agreement signing
- Fund disbursement
Our approval process is structured yet efficient, designed to balance speed and compliance.
Personal Loan vs Bank Loan – What’s the Difference?
Bank loans often require strict credit scoring, longer approval times and higher documentation requirements.
Licensed personal loans in Johor Bahru may offer:
- Faster processing
- Simplified documentation
- Flexible evaluation for self-employed applicants
- Consideration for Singapore income earners
However, banks may offer lower interest rates for highly qualified applicants. Choosing the right financing depends on urgency, eligibility and documentation readiness.
Important Compliance Notice
Ph Capital Solution Sdn. Bhd. strictly complies with Malaysian Moneylenders Act 1951. We do not collect advance fees prior to agreement signing. Borrowers are encouraged to fully review the repayment schedule before signing.
All agreements are properly documented and stamped according to regulations.
Frequently Asked Questions (FAQ)
Is your company a legal lender in Johor Bahru?
Yes. We are a KPKT Licensed Money Lender operating in Johor Bahru with License No WL8161/01/01.
What is the maximum interest rate?
Interest is regulated under Malaysian law up to 18% per annum.
Do you charge advance fees?
No advance fees are collected before signing and approval.
Can Singapore working Malaysians apply?
Yes. Income earned in Singapore may be considered during assessment.
Apply Personal Loan in Johor Bahru Today
If you require a transparent, legal and regulated personal loan in Johor Bahru, contact us for an assessment.
WhatsApp: +60 18-918 9669
Ph Capital Solution Sdn. Bhd. – Solving Financial Challenges, Empowering Business Futures.